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Penalty on unpaid checks. A little 'clarity

And 'one of the topics discussed, the penalty of 10% of the face value of the check that

must be paid by the obligor, in the case of unpaid checks at first presentation for "lack of funding, in a few words on that date There are no current account money sufficient to meet the payment

The rule would be in clear, there would be obliged to pay the penalty in all cases where the client did not honor a check in the first presentation.

But there's more because they wanted to punish the bad behavior in any way related to child, the penalty is payable even if, before the non-payment, the creditor REFERENCES check.

La ragione di tale disposizione è chiara è tesa ad evitare l'aggiramento della norma da parte del debitore insolvente che, per evitare la penale, chiede al creditore di richiamare l'assegno.

Vi sono ancora delle zone d'ombra in cui si infilano alcune banche ad esempio inserendo come motivazioni per il mancato pagamento, la non leggibilità del numero o della firma o altro, questo per "consentire" al proprio cliente di evitare l'applicazione della pesante sanzione.

Un'altra leggenda "astutamente" alimentata da alcuni direttori dice che la BANCA deve applicare per forza la penale, mentre il creditore può non applicarla.

In fact, the creditor must issue a letter of discharge, in addition authenticating the signature from the notary stating that he has received for the grant, the penal interest and also the cost.

This release is an official document is a statement of income, has not been collected by the customer is not a title for not bringing that arise in accounting, for which the debtor enter an active email in the budget, without having recessed eventually pay tax on a sum ever received, which is absurd.

The release can also be issued by the bank, with lower costs (because it avoids both the authentic Notary many delays), the deposit at 10% of them in favor of the debtor and paying any interest.

But banks find it easier to download the task and also the loss of image on the client.

No director says that the report is derived from the choice of the bank not to honor the check, is to say that the director did not trust him enough to stay within the customer than its expectations, but now download to the borrower his choice.

Unfortunately, it is a very common practice, the Director is "para" from its internal problems, pointing out the priceless, then "advise" the client on how to avoid the damage that sua scelta ha causato ed il cliente scarica sul debitore colpe che sono ad ascrivere solo a se stesso ed al limite al direttore della banca ed alle politiche creditizie dell'istituto per cui lavora.